Credit Risk Commercial Officer

Equicom Savings Bank, Inc.; Philippines; On-site; PHP 600,000 - 1,200,000; Full time

Job summary

Equicom Savings Bank, Inc. in Makati City is seeking a Credit Risk Commercial Officer to join the Banking & Financial Services division.

This full-time role focuses on assessing, monitoring, and mitigating credit risk across the commercial lending book while ensuring regulatory compliance and prudent risk management. The candidate should have 3-5 years of relevant experience in credit analysis within a financial institution, strong analytical skills, and knowledge of Philippine banking

Qualifications

• A bachelor's degree in Finance, Accounting, Business Administration, Economics or a related field
• 3-5 years of relevant experience in credit analysis, credit risk assessment, or commercial lending within a financial institution
• Strong analytical and financial modelling skills with proficiency in reviewing financial statements and ratios
• In-depth knowledge of credit risk assessment methodologies, lending practices, and banking regulations
• Excellent attention to detail with the ability to identify risks and inconsistencies in documentation
• Strong communication skills, both written and verbal, with the ability to articulate credit recommendations clearly

Responsibilities

• Evaluate and analyse credit applications from commercial clients, assessing creditworthiness, financial viability, and repayment capacity
• Conduct thorough due diligence on prospective borrowers, including review of financial statements, business plans, and collateral valuations
• Prepare comprehensive credit risk assessments and recommendations for loan approvals or rejections
• Monitor existing commercial loan portfolios to identify early warning signs of credit deterioration
• Develop and implement strategies to mitigate credit risk exposure across the commercial lending book
• Ensure compliance with all regulatory requirements, internal credit policies, and lending guidelines
• Maintain detailed documentation and records of all credit decisions and risk assessments
• Collaborate with relationship managers and other stakeholders to support business objectives whilst maintaining prudent credit standards
• Participate in regular credit review meetings and provide recommendations for portfolio management
• Stay updated on industry trends, regulatory changes, and best practices in credit risk management

Skills

Credit risk assessment

Financial analysis

Regulatory knowledge

Communication skills

Analytical skills

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics or a related field

Tools

Microsoft Excel

Banking systems

Job description

About the role

Equicom Savings Bank, Inc. is seeking a Credit Risk Commercial Officer to join our Banking & Financial Services division. This is a full-time position based in Makati City, Metro Manila. In this role, you will play a critical part in our credit risk management function, ensuring that our commercial lending portfolio maintains the highest standards of quality and compliance. You will be responsible for assessing, monitoring, and mitigating credit risk across our commercial lending operations, directly contributing to the financial stability and profitability of the organisation.

Key responsibilities

• Evaluate and analyse credit applications from commercial clients, assessing creditworthiness, financial viability, and repayment capacity

• Conduct thorough due diligence on prospective borrowers, including review of financial statements, business plans, and collateral valuations

• Prepare comprehensive credit risk assessments and recommendations for loan approvals or rejections

• Monitor existing commercial loan portfolios to identify early warning signs of credit deterioration

• Develop and implement strategies to mitigate credit risk exposure across the commercial lending book

• Ensure compliance with all regulatory requirements, internal credit policies, and lending guidelines

• Maintain detailed documentation and records of all credit decisions and risk assessments

• Collaborate with relationship managers and other stakeholders to support business objectives whilst maintaining prudent credit standards

• Participate in regular credit review meetings and provide recommendations for portfolio management

• Stay updated on industry trends, regulatory changes, and best practices in credit risk management

What we're looking for

• A bachelor's degree in Finance, Accounting, Business Administration, Economics or a related field

• 3-5 years of relevant experience in credit analysis, credit risk assessment, or commercial lending within a financial institution

• Strong analytical and financial modelling skills with proficiency in reviewing financial statements and ratios

• In-depth knowledge of credit risk assessment methodologies, lending practices, and banking regulations

• Excellent attention to detail with the ability to identify risks and inconsistencies in documentation

• Strong communication skills, both written and verbal, with the ability to articulate credit recommendations clearly

• Proficiency in using banking systems and Microsoft Office applications

• Knowledge of Philippine banking regulations and compliance requirements

• Professional certification such as CRM (Certification in Risk Management) or similar qualifications is preferred

• Demonstrated ability to work independently and as part of a team in a fast-paced environment

What we offer

Equicom Savings Bank, Inc. is committed to supporting the professional growth and wellbeing of our employees. We offer competitive remuneration packages, comprehensive health and wellness benefits, and opportunities for continuous professional development. Our organisation values work-life balance and provides flexible working arrangements where feasible. We invest in our employees through training programmes, mentorship, and career advancement pathways. Additionally, we provide performance-based incentives, retirement benefits, and access to employee assistance programmes to ensure our team members thrive both professionally and personally.

About us

Equicom Savings Bank, Inc. is a leading financial services institution in the Philippines, committed to providing reliable banking solutions and exceptional customer service. With a strong reputation built on trust, integrity, and prudent financial management, we serve individuals and businesses across the nation. Our mission is to empower our customers through accessible financial products and services whilst maintaining the highest standards of regulatory compliance and risk management. We pride ourselves on our dedicated workforce, innovative approach to banking, and unwavering commitment to corporate responsibility. Joining Equicom Savings Bank means becoming part of a forward-thinking organisation that values excellence, teamwork, and sustainable growth.